Go to stepchange it’s free I have /had v bad habit for years went bankrupt through gambling ,then did it again / just paid 9k through stepchange thy get all interest frozen I had 7 creditors loans,cards ,just make sure you have only a little left when you do your income and expenditure ,I’m now with Gamstop . Miss it but can now live on my retirement pension, stepchange is charity run and Barclays is sponsor.
good luck
my friend got in the payday loan trap had 12 at one time. She’s also on a debt plan now.